BAD KARMA Terms of Use Product: bad-karma/core Version: 2.2 Effective: October 8, 2026 1. Acceptance and material changes BAD KARMA is operated by William Mayo LLC, a North Carolina limited liability company ("we", "us"). These Terms of Use ("Terms") govern access to and use of the BAD KARMA application and related services (the "App"). You must read these Terms and the current Privacy Policy and take the explicit acceptance action shown in the App. Navigation, continued use, or an older timestamp-only acceptance does not accept this version. A material change to either document requires a new explicit acceptance of the exact current versions and content hashes. If you do not agree, do not accept these Terms. The App may keep local data safely on your device while acceptance is pending, but policy-gated features may remain unavailable. 2. Eligibility and accounts You must be at least 18 years old, or the age of majority where you live if higher, and able to form a binding contract. You are responsible for accurate account information, for activity under your account, and for protecting access to your email, device, and sign-in codes. 3. General fitness and wellness information only BAD KARMA is a general fitness, nutrition, and wellness tracker. Calorie and macronutrient targets, training programs and suggestions, bodyweight trends, medication logs, including GLP-1 logs, and other content are informational only. They are not medical, nutritional, mental health, legal, or other professional advice and do not create a clinician-patient or other professional relationship. The App does not prescribe, dose, or manage medication. Follow your licensed clinician's instructions. Consult an appropriately qualified professional before beginning or changing diet, training, supplements, or medication. If you may have a medical emergency, contact emergency services. BAD KARMA is not presented as a service provided by a HIPAA covered health care provider or health plan. Other privacy or consumer protection laws may still apply. 4. Assumption of training risk Exercise, strength training, Brazilian jiu-jitsu, grappling, conditioning, and related activity can cause serious injury, illness, disability, or death. You voluntarily assume the risks of activity you choose and are responsible for your health, limits, technique, equipment, environment, and decision to stop or seek help. 5. Your data and Crew content You retain responsibility for content you enter or share. Private Food, bodyweight, and training information may sync to private cloud storage for your account. Crew posts, messages, reactions, status, and shared training summaries are shared content visible to authorized Crew members. Do not post another person's confidential or personal information without permission. You grant BAD KARMA the limited rights needed to host, process, transmit, back up, and display your content to operate the App and the sharing choices you make. If you delete your account, your Crew posts, the comments you wrote, and your photos, videos, and voice Heckles are deleted. Crew chat messages you sent may remain with your name and account link removed, so other members' conversation is not broken. You can ask us to delete specific messages by contacting us. Private Heckle media is stored in private object storage and is subject to the media lifecycle described in the Privacy Policy. No system can guarantee uninterrupted operation or that data loss will never occur. Keep an export or other backup of data you cannot afford to lose. 6. Acceptable use and zero tolerance for objectionable content Do not use the App to harass, threaten, impersonate, exploit, defraud, unlawfully surveil, distribute malware, bypass access controls, interfere with service operation, or violate law or another person's rights. Do not attempt to access another user's private or account data. There is zero tolerance for objectionable content and abusive users. Do not post content that is unlawful, hateful, harassing, threatening, sexually explicit, exploitative of minors, graphically violent, or that targets a person or group for who they are. The same applies to Crew messages, comments, photos, videos, voice Heckles, display names, and Crew names. Friendly trash talk between consenting Crew members is part of the App's tone. Harassment, bullying, and abuse are not. You can report any Crew message, post, photo, or Heckle from the App, and you can block another user so you no longer see their content. Blocking someone also reports them to us. We review reports within 24 hours. Content that breaks these Terms is removed, and users who break them are removed from the App, with or without prior warning. We may also limit or suspend access needed to protect users, the service, or legal compliance. If you believe someone is in immediate danger, contact emergency services. 7. Plans, free trial, and billing BAD KARMA is free during early access. No payment method is collected and no charge is made while early access lasts. Paid plans begin only after we give you at least 7 days' notice, and the rest of this section describes how they will work when they begin. BAD KARMA offers two paid plans: Core at $4.99 per month or $39 per year, and Core + AI at $9.99 per month or $99 per year. Core + AI adds AI Coach and AI food logging. Prices are in US dollars and do not include taxes where taxes apply. New accounts can start a 14-day free trial of Core + AI. Starting the trial requires a payment method. Unless you cancel before the trial ends, your plan starts automatically when the trial ends and your payment method is charged for the plan you chose. We remind you before your trial ends. You can cancel at any time during the trial in Settings and you will not be charged. Paid plans renew automatically at the monthly or annual interval you chose until you cancel. Cancellation takes effect at the end of the current paid period, and you keep paid access through that period. You can cancel in Settings at any time. A failed renewal receives one seven-day grace period. A chargeback or payment dispute suspends paid access immediately. We do not provide refunds for partial periods or unused time on an annual plan, except where required by law or where we approve a refund. Deleting your account does not produce an automatic refund. Section 8 explains how deletion works while a subscription is active. AI features have a fair-use limit per account to keep costs predictable. If you reach it, AI features pause until the next day or billing period, and manual logging always keeps working. If we change a plan's price, we will tell you in advance, and the new price applies from your next renewal after the notice. 8. Account deletion and device reset Reset this device removes local app state according to the reset screen. It is not account deletion and does not guarantee deletion of cloud or account data. Cloud data may sync back after sign-in. You can delete your account and cloud data in the App at any time: Settings, Account & privacy, Delete account. You confirm with a code sent to your email. Deletion removes your login, profile, private cloud data, Crew posts, the comments you wrote, photos, videos, and voice Heckles, and your karma, reactions, votes, and Crew memberships. If you own a Crew, ownership passes to the member who has been in it longest, and a Crew with no other members is deleted. Crew chat messages you sent may remain with your name and account link removed. Deletion waits until any subscription that can still renew is cancelled. If you subscribed through Apple, you must cancel in your Apple ID subscription settings, because we cannot cancel an Apple subscription for you. Deletion does not produce an automatic refund. 9. Third-party services The App uses service providers for functions such as hosting, authentication, cloud database, private object storage, crash reporting, AI features, GIF search, food search, and payment processing. They are named in the Privacy Policy. Third-party services may have their own terms and privacy practices. BAD KARMA is not responsible for services it does not control, except as required by law. 10. Intellectual property The App, excluding user content, is owned by or licensed to BAD KARMA and is protected by applicable intellectual property laws. These Terms grant you a limited, personal, revocable, non-exclusive, non-transferable right to use the App for its intended purpose while you comply with these Terms. 11. Changes, availability, and termination We may change, suspend, or discontinue features. Material Terms or Privacy changes require fresh explicit acceptance before policy-gated use. We may terminate or restrict access for a material violation, security risk, legal requirement, or service shutdown. Provisions that by their nature should survive termination remain in effect. 12. Disclaimers To the fullest extent permitted by law, the App is provided "as is" and "as available" without warranties of merchantability, fitness for a particular purpose, non-infringement, uninterrupted availability, or error-free operation. Nothing in these Terms excludes a warranty or right that cannot lawfully be excluded. 13. Limitation of liability To the fullest extent permitted by law, BAD KARMA and its operators will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of data, profits, goodwill, or opportunity arising from the App. This limitation does not apply where prohibited by law and does not limit liability that cannot lawfully be limited. 14. Governing law and venue These Terms are governed by the laws of the State of North Carolina, without regard to conflict-of-laws principles. Except where applicable law provides otherwise, disputes that may be brought in court are subject to the jurisdiction of state and federal courts located in North Carolina. This section does not remove any non-waivable consumer right or venue protection. 15. General terms If a provision is unenforceable, the remaining provisions remain in effect and the affected provision will apply to the maximum lawful extent. A failure to enforce a provision is not a waiver. You may not transfer these Terms without our consent. We may transfer them in connection with a reorganization, financing, sale, or transfer of the App, subject to applicable law. 16. Contact William Mayo LLC. Questions about these Terms can be sent to support@badkarmatraining.com.